| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $122K | — | $122K | 3.18% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 4.08% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $578 | $8K | 10.75% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 4.53% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $3K | — | $3K | 4.82% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $220 | $3K | 10.75% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $63 | $3K | 16.88% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 757 | $3.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 382 | $451K |
| Vision | VISION SERVICE PLAN | 506 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 705 | $106K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 705 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 705 | $77K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 757 | $3.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 705 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.